The MIT Student Medical Plan is included with tuition. This means that even if you waive the MIT Student Extended Insurance Plan, your student can use most services at MIT Medical with no copay and no additional charge. But the MIT Student Medical Plan doesn’t cover prescriptions or services outside of MIT Medical. Those services will be covered by the MIT Student Extended Insurance Plan or, if you’ve waived, your student’s other comprehensive insurance plan:
- If you buy the MIT Student Extended Insurance Plan, we can help your student find the right specialists, make appointments, and learn what’s covered. He or she can also fill prescriptions conveniently at the MIT Pharmacy or, for a slightly higher copay, at most retail pharmacies.
- If your student waives, make sure you know your plan’s rules for referrals, service authorizations, and claims. We can recommend outside specialists and facilities, but we can’t provide an actual referral or tell you if a provider is part of your insurance company’s network. Your student may need a referral from your doctor at home or authorization from the insurance company to receive necessary care in Cambridge. You will be solely responsible for working out claims issues with your insurer. MIT Medical cannot intervene.